Luxury Items Finance
Why Choose Million Plus For Your Luxury Items Financing?
Financing luxury items requires specialist structuring expertise and trusted private bank relationships. Million Plus Private Finance arranges bespoke lending solutions for high-value collectibles, fine art, and luxury vehicles, working with clients whose wealth is often held across multiple income streams, investment structures, and international jurisdictions.
We present lender-ready financial profiles to specialist banks, enabling competitive terms, flexible repayment structures, and efficient execution. Facilities are typically structured as asset-backed loans, supported by independent valuations and appropriate insurance, allowing clients to access liquidity while maintaining balance sheet strength and strategic flexibility within their wider wealth planning.
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Million Plus Private Finance arranges bespoke lending for high-value luxury items for UK and international high-net-worth clients. We work with specialist lenders to structure loans for fine art, jewellery, vintage cars, and other collectible assets.
Our team presents multiple income streams, international holdings, and investment portfolios to lenders to maximise borrowing potential. Interest-only and bespoke repayment options ensure cashflow flexibility while maintaining long-term financial strategy.
We manage valuations, lender communication, and legal coordination to deliver a smooth, efficient process. Clients benefit from discretion, speed, and access to lenders who understand the nuances of luxury item financing. Each lending solution is bespoke, providing strategic alignment with the client’s wealth management objectives.
case studies
Mortgage Closings
High-value luxury items require tailored financing strategies. The process begins with a detailed review of the asset, the client’s income profile, and overall liquidity objectives. Million Plus Private Finance considers all aspects of a client’s financial profile, including complex income, multiple assets, and international holdings, to structure lending solutions effectively.
We arrange loans for collectibles, fine art, jewellery, and high-end vehicles. Multi-asset portfolios can be included in single lending facilities, optimising borrowing potential and repayment flexibility. Interest-only and hybrid repayment options allow clients to preserve liquidity while managing repayments strategically.
Million Plus Private Finance coordinates valuations, lender submissions, and legal documentation to ensure a seamless, confidential process. By monitoring market conditions and lender availability, we secure competitive terms and bespoke repayment structures.
Clients benefit from personalised guidance, discretion, and access to lenders specialising in luxury assets. Each financing solution is aligned with broader wealth strategy, whether funding a unique collectible, expanding a vehicle collection, or acquiring fine art.
frequently asked questions
Mortgage Questions Answered
What types of luxury items can be financed?
Luxury asset finance can be arranged against a wide range of high-value items, including fine art, jewellery, rare watches, classic and luxury vehicles, and specialist collectibles. Assets are assessed individually based on provenance, marketability, valuation stability, storage and insurance arrangements.
Is luxury asset finance typically secured against existing assets?
Yes. In most cases, facilities are structured as asset-backed loans, secured against luxury assets the client already owns. This allows high-net-worth individuals to release liquidity while retaining ownership and control of their assets, rather than selling them.
Are interest-only or hybrid repayment options available?
Yes. Private banks and specialist lenders can offer interest-only, amortising, or hybrid repayment structures, including split facilities. These structures are designed to align with liquidity objectives, investment timelines, and wider balance sheet considerations.
Can multiple luxury assets be financed within one facility?
Yes. Multi-asset facilities can be structured to include fine art, jewellery, watches, vehicles, or other collectibles within a single lending arrangement. This approach can improve efficiency, flexibility, and overall borrowing capacity when managing diversified luxury portfolios.
How long does luxury asset finance take to complete?
Timelines vary depending on asset type, valuation complexity, jurisdiction, and lender requirements. With appropriate preparation, documentation, and valuations in place, facilities can often be arranged within a matter of weeks.
Do you arrange finance for international clients or cross-border assets?
Yes. Luxury asset finance can be structured for UK and international clients, including assets held across multiple jurisdictions. This may involve multi-currency facilities and coordination with international valuers, insurers, and legal advisers.
How are luxury assets valued for lending purposes?
Independent, specialist valuers are instructed to assess each asset. Lenders typically consider market liquidity, historical performance, condition, provenance, and insurability when determining lending values and advance rates.
Is luxury asset finance suitable for strategic wealth planning?
Yes. When structured correctly, luxury asset finance can support liquidity management, portfolio diversification, and balance sheet efficiency, forming part of a broader wealth or investment strategy rather than a standalone transaction.
How do I explore luxury asset finance options?
The first step is a confidential discussion to understand the assets involved, liquidity objectives, and wider financial profile. From there, a lender-ready structure can be developed and presented to appropriate private banks or specialist lenders.
exclusive marketplace
Luxury Real Estate
Finance Without Limits
From fine art to rare collectibles, Million Plus Private Finance secures bespoke lending solutions beyond high street limits. Our advisers provide private bank access, flexible terms, and tailored structures for luxury items and multi-asset portfolios.
